Which of the following is NOT a common Third-Party Provision?

In the context of insurance policies, third-party provisions are clauses that determine the rights and benefits of third parties that are affected by an insurance claim. These provisions are designed to protect the interests of different stakeholders who might not be directly involved in the contract but have a vested interest in the outcomes.

The choice identified as not a common third-party provision is related to the concept that a claim adjuster clause typically does not provide benefits or rights to a third party in the same way as the other options.

The standard mortgage clause, for example, protects the lender's interest in the property by guaranteeing that they will receive payment in the event of a loss, even if the homeowner's insurance policy is in effect. Similarly, a loss payable clause ensures that third parties named in the clause will receive benefits from the insurance payout, which is common in situations involving collateralized loans.

The "no benefit to bailee" clause safeguards the interests of the insurer against any claims made by a bailee that would otherwise fall under the policy. This clause explicitly states that the bailee cannot claim benefits under the insurance policy, clarifying the limits of coverage in relation to third parties handling the insured property.

In contrast, a claim adjuster clause does not provide a third party